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Xoxoday Loyalife supports configurable points caps by tier, merchant, and transaction type, plus automated exception and reversal workflows to maintain policy-compliant loyalty operations.
Loyalty programmes that span multiple customer segments or card tiers need fine-grained control over how points accumulate. Without it, a single high-spend transaction can distort programme economics or trigger compliance gaps. Xoxoday Loyalife addresses this with a rules-based accrual engine that lets programme managers set, adjust, and enforce caps at every level—without raising a development ticket. Tier-Specific Earning Limits Xoxoday Loyalife lets you configure separate monthly point caps for each tier in your programme. A mass-market tier can carry a lower monthly ceiling to manage liability, while a premium or affluent tier earns at a higher rate to reward your highest-value members. These rules are defined in the admin console and applied automatically at the point of each transaction. When Xoxoday Loyalife is connected to an HR system such as Darwinbox or Workday, tier assignments sync automatically, ensuring the correct cap applies to each member without manual intervention. Merchant and Transaction-Level Controls Beyond tier caps, Xoxoday Loyalife supports maximum point limits per merchant, per channel, and per transaction type. A fuel purchase can carry a different cap than an airline booking or a dining transaction. Programme managers adjust these rules in real time—dynamic point value changes take effect immediately, with no developer dependency. Spend Thresholds and Redemption Controls Xoxoday Loyalife enforces minimum spend thresholds before a redemption becomes eligible. This prevents micro-redemptions that erode programme margins and create operational noise. Points that remain inactive beyond a defined window are configured for auto-expiry, keeping your liability ledger clean and giving members a clear incentive to engage before balances lapse. Exception Handling and Reversals Not every transaction should generate points. Xoxoday Loyalife automatically excludes non-participating merchants, returned purchases, and cancelled orders from accrual—no manual audit required. When a disputed redemption or cancellation requires a reversal, Xoxoday Loyalife routes it through a configurable approval workflow that maintains a full audit trail and ensures the correct balance adjustment is applied. This combination of proactive exclusions and structured reversal handling keeps your programme compliant even when edge cases arise at scale. Why This Matters Uncontrolled accrual leads to inflated liabilities, inconsistent member experiences, and audit exposure. Xoxoday Loyalife gives programme managers a single control plane where caps, thresholds, and exception rules coexist—so business policy is enforced consistently across every transaction, tier, and channel. Learn more: [Xoxoday Loyalife Help Centre — Accrual](

How Accrual Rules Are Configured

Understand how to define earning rules by transaction type, channel, and spend threshold inside Xoxoday Loyalife.

How Points Expiry Works

Learn how Xoxoday Loyalife manages auto-expiry policies for inactive or partial point balances.